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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,193 | $29,716-35.4% | $56,077-65.8% | $80,925-76.3% |
| Participation rate | 58.3% | 41.7%+16.6pp | 52.5%+5.8pp | 67.7%-9.3pp |
| Annual return | 18.31% | 35.30%-17.0pp | 1709.28%-1691.0pp | 35.65%-17.3pp |
| Employer contribution / active EE | $548 | $671-18.3% | $1,040-47.3% | $2,756-80.1% |
| Participant deferral / active EE | $735 | $1,228-40.1% | $1,954-62.4% | $4,299-82.9% |
| Admin fee / account holder | $32,331 | $2,432+1229.4% | $2,825+1044.5% | $6,940+365.9% |